Howard SchwartzInvestment Advisor

MBA, CMA

What does insurance have to do with investing? For protection, for continuity, for your long term peace of mind.

HAMPTON INSURANCE BROKERS

Different financial instruments are designed to play different roles in your investment portfolio. Fixed income and equity securities contribute to capital preservation and growth.

Wills and trusts look after orderly wealth transfer. And insurance supports all of them because it not only helps us to protect what we have now, but also acts as a hedge against unforeseen events in the future. Used wisely, insurance creates financial and tax advantages that go beyond peace of mind.

Through his experience as an investment advisor, a professionally designated accountant and a senior financial executive, Howard Schwartz is particularly well qualified to support your portfolio and financial plans with the right combination of insurance products. He understands the role of each insurance product in terms of your individual goals and how insurance can contribute financial certainty and peace of mind as your investment plan unfolds.

Isn’t insurance just about managing loss?

Insurance can help you to reach your financial goals even if you don’t suffer a loss. Insurance can be used to preserve capital for future generations, to endow charities and to ensure business continuation.

If something unforeseen should happen, insurance can immunize you from taking a major step back in your financial plan. It can guarantee the payment of a specified amount of money for income replacement or protect you and your family in case of illness,

disability or death. Life, Disability, Critical Illness, Long-term Care and Business Continuity insurance are all important components in any financial plan. Insurance is unique in its ability to create financial certainty in an uncertain world.

Life Insurance

Permanent life insurance can protect you for your lifetime. These plans have level premiums over the life of the contract and upon death, pay the sum insured to the beneficiary. Many permanent insurance plans also generate a cash value which can be used at a future date to provide cash flow if needed. Cash values are often guaranteed and increase over the life of the contract.

Term life insurance is well-suited to meet high, short-term protection needs for the lowest initial cost. It provides protection for a limited period of time and pays benefits only if the policyholder dies during the specified time. The major benefit of this type of insurance is the reduced cost as compared to other more permanent insurance plans, and they often act as a supplement to these, thereby providing a large amount of coverage for the lowest possible cost.

Disability Insurance

In the event of an accident or illness, disability insurance could mean the difference between having an income and not having one, if your disability prevents you from working. This form of insurance is particularly important if you are the sole or primary wage earner in the family, or if you are a key person in the operation of your business.

Howard SchwartzInvestment Advisor

MBA, CMA

Critical Illness

Critical Illness insurance is a form of protection that can provide you with a lump sum payment if you suffer from a covered critical illness. The physical and emotional strain of a critical illness can be severe and when you combine that with the potentially damaging financial impact, the result can be devastating.

That’s where the critical illness benefit comes in—you are free to spend the money as you wish to help cover lost income, to pay for private nursing, out-of-country treatment, or medical equipment, pay off your mortgage, or even take a vacation. It can help you when you need it most so you can focus all your energy on recovering.

Long Term Care

Similar to critical illness insurance, long-term care insurance is an insurance policy that provides the funding for the care or treatment required for injuries, illnesses and loss of functional abilities. Although age is not a determining factor in needing long-term care, this type of insurance is usually sold to cover these risks at older ages. Because there are often substantial costs

associated with long-term care such as nursing homes or private rehabilitation facilities, this type of insurance can save you hundreds of thousands of dollars in medical care costs.

Business Insurance

There are a number of problems that can arise when a shareholder or a key person becomes disabled, falls ill or dies. These problems can continue for the corporation beyond the illness or death of the key person as the corporation will continue. In the early phases of a business, term insurance may be useful, but in many circumstances permanent life insurance becomes attractive because of the lower corporate tax rates.

Group Insurance

A broad range of employee benefits are available for any sized groups. Group financial packages can include Group RRSPs, Defined Contribution Pension Plans and Deferred Profit Sharing Plans as well as Health and Dental Plans. Integrated Benefit Solutions offer a combination of traditional group benefits and individual income protection products.

With more than 25 years of counselling individuals and corporations on financial issues, Howard Schwartz combines technical expertise with a deep belief that strong relationships are the foundation of successful investment portfolios.

As an expert ally to his clients, Howard helps to provide solutions to individuals, families, professionals, business owners, and those in partnerships, helping them to protect their financial well-being, and to preserve, grow, and transition inter-generational wealth.

For more information or a no-obligation evaluation of your current insurance, please visit www.howardschwartz.ca.

141 Adelaide St. W., Suite 1800, Toronto, ON M5H 3L5 t. 416-862-8708 | 1-877-225-0229 | f. 416-862-8700 hschwartz@hamptonsecurities.com